SOUNDARYA K
Summary
Results-driven AML/KYC Analyst with 5 years of experience in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Know Your Customer (KYC) reviews, Anti-Money Laundering (AML) compliance, and regulatory risk management within the banking sector. Proven expertise in customer onboarding, periodic KYC remediation, transaction monitoring, sanctions and PEP screening, suspicious activity identification, and compliance with RBI guidelines and internal regulatory frameworks. Skilled in conducting risk assessments, reviewing complex customer profiles, analyzing financial documentation, and ensuring adherence to AML/CFT regulations. Strong ability to collaborate with cross-functional teams, maintain high-quality compliance standards, and support audit and regulatory requirements while enhancing customer experience and Service.
Overview
11
11
years of professional experience
4
4
years of post-secondary education
Work History
First Wealth Relationship Manager-Elite Banker
IDFC First Bank Ltd
Hyderabad
05.2025 - 05.2026
- Performed end-to-end KYC verification and AML compliance checks for retail and corporate banking customers.
- Conducted AML checks, sanctions screening, and customer risk categorization as per compliance standards.
- Verified and validated customer documents to ensure adherence to RBI and internal banking policies.
- Assisted in resolving KYC discrepancies and supported account activation processes.
- Worked closely with operations and compliance teams to reduce onboarding delays and improve customer experience.
- Maintained confidentiality and accuracy while handling sensitive customer information.
- Managed and Handled KYC processes and ensured seamless digital onboarding for customers
- Investigated transaction monitoring alerts and prepared reports for suspicious activity escalation when necessary.
- Worked closely with compliance and fraud prevention teams to minimize operational and regulatory risks.
- Ensured adherence to bank policies, AML frameworks, FATCA, and regulatory compliance requirements.
- Maintained customer confidentiality and data security while processing sensitive financial information.
- Assisted in filing Suspicious Transaction Reports (STRs) and escalating AML cases.
- Ensured adherence to AML policies and regulatory compliance frameworks.
- Supported onboarding teams in verifying customer identities and risk categorization.
- Worked on internal compliance tools for case management and reporting.
- Collaborated with compliance and audit teams during inspections and reviews.
AML & KYC Analyst
Hdfc Bank ltd
Coimbatore
04.2021 - 03.2025
- Reviewed customer documents including PAN, Aadhaar, income proof, and business registrations for account opening and periodic KYC updates.
- Handled enhanced due diligence(EDD) for high-risk customers and escalated suspicious cases to compliance teams
- Ensured timely completion of KYC remediation and periodic review activities while maintaining accuracy and service quality.
- Coordinated with branch teams and customers for documentation and compliance-related queries.
- Maintained records and compliance reports in accordance with internal audit and regulatory requirements.
- Classify customers based on risk profile as Low risk,Medium risk and High risk (PEPs, NRIs, high-value accounts, etc.)
- Monitor customer transactions for suspicious patterns (structuring, layering, unusual movement of funds)
- Tracking Key Risk Indicators (KRIs) and reporting findings to senior leadership or the Chief Compliance Officer.
- Re-KYC Management: Conduct periodic reviews of existing high-risk and standard accounts to ensure customer data remains up to date.
- Technical & Analytical Proficiency: Experience in banking CRM databases, database querying (SQL), and data visualization tools like Tableau.
- Served as a subject matter expert for internal teams responsible for developing customer onboarding procedures.
- Troubleshot daily IT desktop client issues, supporting multiple departments, and various offices.
- Analyzed operating system or application log files regularly to verify proper system performance.
- Analyzed customer data trends to identify service improvement opportunities.
- Assisted in implementing CRM software for streamlined customer interactions.
- Managed relationships with existing clients by providing them with timely updates on their accounts status.
RELATIONSHIP MANAGER
PNB MetLife India Insurance company ltd
Coimbatore
09.2020 - 04.2021
- Identified customer needs, developed customized solutions, and provided knowledgeable advice for investments.
- Established strong client relationships to drive business development.
- Analyzed competitors and market trends to facilitate business growth.
- Built financial models to allocate resources, forecast cash and investment needs and make capital budgeting decisions.
- Resolved escalated customer issues efficiently and effectively within established timelines.
- Coordinated with cross-functional teams to ensure successful implementation of projects for Business.
- Acted with minimal direction in self-directed capacities to resolve issues and implement strategies.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
ASSOCIATE AGENCY DEVELOPMENT MANAGER
Max life insurance company Ltd
Chennai
03.2019 - 01.2020
- Developed and implemented strategies to increase agency development and sales performance.
- Conducted regular meetings with agents to discuss their progress towards goals and objectives.
- Provided guidance, support, and training to new agents on company policies and procedures.
- Handled the team of insurance agents and given the relevant information regarding insurance policies
- Organized workshops to enhance agent skills and product knowledge.
- Facilitated regular meetings to align agency goals with company objectives.
- Ensured adherence of all team members involved in agency development activities with established company policies and procedures.
- Provided ongoing coaching and mentorship programs for agents based on their individual needs.
- Analyzed current market trends and identified potential opportunities for agency growth.
- Assisted in the recruitment of new agents by conducting interviews, reviewing applications, and making hiring decisions.
- Organized events such as conferences, seminars, webinars for agents to attend for professional development purposes.
- Resolved customer complaints or inquiries quickly while maintaining a positive attitude throughout the process.
- Built relationships with key stakeholders within the industry such as vendors or partners in order to explore additional opportunities for growth of the agency business unit.
- Managed day-to-day operations related to agency development activities including budgeting, scheduling, project management tasks.
CUSTOMER RELATIONSHIP OFFICER
Bharti Airtel Ltd
Chennai
03.2017 - 06.2018
- Developed customer service policies and procedures to ensure consistent and professional customer interactions.
- Provided technical assistance to customers in order to resolve their inquiries or complaints quickly and efficiently.
- Conducted regular reviews of customer feedback, identified areas for improvement, and implemented changes accordingly.
- Utilized CRM tools effectively in order to manage relationships with customers.
- Proactively contacted inactive customers in order to re-engage them with the company's offerings.
- Implemented quality assurance processes designed to monitor customer service levels.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
MEDICAL CODER
Medrona Billing Services Pvt Ltd
Chennai
09.2015 - 06.2016
- Reviewed patient medical records for accuracy, completeness and compliance with coding regulations.
- Coded diagnoses and procedures from patient medical records using ICD-10-CM and CPT-4 codes.
- Verified accuracy of procedure codes to ensure proper reimbursement levels.
- Researched discrepancies between documentation and billing information in order to resolve any issues prior to submission.
- Maintained high accuracy rate on daily production of completed reviews.
- Performed audits on coded claims to ensure that all required data elements are included for accurate payment processing.
Education
Bachelor of Science: BE - Bio Medical Engineering
Velalar College of Engineering And Technology
Erode 08.2010 - 08.2014
Preferred Location
- Hyderabad, Bengaluru,Chennai, Coimbatore
Technical Skills
- MS Excel (VLOOKUP, Pivot Tables, Reporting)
- MS Office Suite
- AML Monitoring Systems
- Core Banking Applications
- Compliance & Risk Management Tools
- Data Analysis and Reporting
- CRM Management
- Flexcube
- Tableau Analysis
- Risk Management
- Financial management
- Stakeholder management
- Performance evaluations
- Operations management
- Cross-functional team management
- Regulatory compliance
- Policy and procedure development
Core Competencies
- Anti-Money Laundering (AML)
- Know Your Customer (KYC)
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- Transaction Monitoring
- Sanctions Screening
- PEP Screening
- Risk Assessment
- Regulatory Compliance
- RBI Guidelines
- Suspicious Activity Investigation
- Compliance Reporting
- Customer Onboarding
- Audit Support
- Documentation Review
Certifications
- Certified NISM (National Institute of Securities Markets)
- Certified of banking IRDAI
Languages
- Tamil
- English
Timeline
First Wealth Relationship Manager-Elite Banker
IDFC First Bank Ltd
05.2025 - 05.2026
AML & KYC Analyst
Hdfc Bank ltd
04.2021 - 03.2025
RELATIONSHIP MANAGER
PNB MetLife India Insurance company ltd
09.2020 - 04.2021
ASSOCIATE AGENCY DEVELOPMENT MANAGER
Max life insurance company Ltd
03.2019 - 01.2020
CUSTOMER RELATIONSHIP OFFICER
Bharti Airtel Ltd
03.2017 - 06.2018
MEDICAL CODER
Medrona Billing Services Pvt Ltd
09.2015 - 06.2016
Bachelor of Science: BE - Bio Medical Engineering
Velalar College of Engineering And Technology
08.2010 - 08.2014